With vacation season in full swing, you may be in the process of planning an annual getaway. While most people spend lots of time looking for ways to maximize their budget, one costly decision is often left to the last minute--whether to buy the optional insurance offered by a rental car compnay.
"Deciding whether to buy 'damage waivers' or insurance at the rental car counter can be a confusing experience--especially if you don't know if your're already covered by your personal auto insurance policy" said Rick Crawley of the Progressive Group of Insurance Companies. "Optional rental car insurance can cost between $7 and $25 per day, depending on the rental car compnay, vehicle make and model and the type of waiver. Those daily charges can significantly add to the cost of your rental."
Consult an independent insurance agent, like Charlie Pinson Insurance. As licensed Kentucky insurance professionals, independent insurance agents and brokers can review and evaluate your policies to find out if the coverage you have on your personal vehicle provides protection for you in a rental car.
Check with your credit card company. Some credit card companies provide coverage at no charge if you use their card to charge the cost of the rental. However, some restrictions may apply so be sure to ask for a description of the exact coverages provided.
Take your personal Kentucky auto insurance policy and details of your coveraages with you to the rental car counter. You may be asked a question that these papers can help answer--or, if you're in doubt, youd'll have your agent's name and phone number redily available. (Charlie Pinson Insurance 606.433.0031 9-4:30 EST M-F)
Knowing wheter you need to buy additional coverages can save you money and give you peace of mind. Enjoy your vacation! Don't start off your trip questioning your decisions-take control. Talk to Charlie Pinson, your Kentucky Independent Insurance Agent.
